Owner & Lead Financial Modeler Lyubov Smirnova is the founder of Smirnova Business Consulting group. She is a quinti-lingual, internationally experienced businesswomen and entrepreneur with over 27 years of highly successful executive experience. She has an outstanding record of successful startups and business management. She is the lead financial modeler and consultant of SBC, leveraging a background in business and finance. Her many qualifications and experience make her a sound leader and extraordinary financial modeler. Lyubov excels at preparing financial projections for start-up and existing businesses, including the creation of income statements, cash flows, balance sheets, sales forecasts, personnel rollouts, and more. Smirnova holds a Master’s degree in finance and holds a bachelor’s in fashion design. She is fluent in English, Russian, and Ukrainian and conversational in Arabic and Greek. Lyubov is also a philanthropist with a love of humanity. Outside of her professional career, she spends her energy on her charitable work; volunteering to serve on non-profit boards, educating herself on social issues, and donating her time and resources to the causes she cares about most. In 2015 Smirnova registered her own a 501(c)3 Nonprofit Organization, the Heightened Hearts Foundation. This social/human service organization focuses on low-income individuals and families, with a focus on children and single parents.